🌍 ClimateRiskCheck

Natural Disaster Risk in Harrold

South Dakota

4.6out of 10
Moderate Risk

Risk Summary for Harrold

Harrold scores 4.6/10 (Moderate risk), near the U.S. average of 4.5. The leading hazard is Wildfire.

Top Hazards

Wildfire Winter Weather Ice Storm

All 18 Hazard Scores

Wildfire
8.0
Winter Weather
7.3
Ice Storm
6.4
Cold Wave
5.7
Tsunami
5.4
Volcanic Activity
5.1
Coastal Flooding
4.9
Drought
4.8
Avalanche
4.5
Extreme Heat
4.0
Tornado
3.6
Hail
3.6
Strong Wind
3.3
Lightning
2.9
Landslide
2.9
Earthquake
2.6
Hurricane
2.4
Riverine Flooding
1.0

How it compares

Harrold
4.6
South Dakota avg.
4.9
US national avg.
4.5

Live Conditions

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🏠 What this means for insurance

Average risk β€” standard coverage usually sufficient

This area carries average natural disaster risk. A standard homeowners or renters policy should cover common events, but review the exclusions for floods and earthquakes, which are almost never included by default.

This is general information only. Consult a licensed insurance professional for advice specific to your property.

Natural Hazard Profile: Harrold, South Dakota

Harrold, in Hughes County, is a small unincorporated community situated in the interior eastern United States. Its semi-arid continental climate brings harsh winters, hot summers, and significant seasonal variation, and in particular severe blizzards and spring flooding. These conditions collectively define the natural hazard environment that Harrold residents and property owners must navigate.

Harrold's overall natural disaster risk is rated 4.6/10 (Moderate) by FEMA's National Risk Index. The threat of wildfire dominates the local risk environment, with hot, dry summers and abundant fuel creating dangerous fire conditions each year. Secondary hazards include winter and ice storm.

Within South Dakota, Harrold's risk is, near the 4.9/10 state average. Nationally, it ranks near the U.S. national average of 4.5/10. FEMA's analysis of Hughes County identifies wildfire as the foremost hazard, followed by winter and ice storm. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

With a moderate risk rating, Harrold residents are well-served by maintaining standard preparedness practices β€” an emergency supply kit, awareness of local hazard seasonality, and insurance that covers the top local risks. Periodic review of coverage for wildfire is recommended.

What this means for Harrold: Wildfire preparedness

  • Prepare a go-bag and evacuation plan; wildfires can move faster than expected when winds pick up.
  • Create defensible space by clearing flammable vegetation within 30–100 feet of structures.
  • Use fire-resistant roofing and screen vents to block ember intrusion, the leading cause of home ignition.

Local Factors for Harrold

These city-level factors differentiate Harrold from other communities in Hughes County and provide geographic context for its hazard exposure.

Population

277

Rural

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Cool Continental

Latitude 44.4Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Moderate β€” seasonal fire risk

Fire score: 8.0/10

Coordinates

44.4150Β° N, 99.7669Β° W

Hughes County

Population and coordinates from SimpleMaps US Cities data. Hazard scores from FEMA National Risk Index. Geographic classification derived from coordinates.

Recent Climate Data for Harrold

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Harrold

Other cities in South Dakota

Data source: FEMA National Risk Index (NRI). Scores normalized to 1–10 across all US counties. City scores inherit county-level FEMA data. For informational purposes only.